Search found 212 matches

by gmc4h232
Fri Jan 11, 2019 5:20 pm
Forum: Investing - Theory, News & General
Topic: Around 43K in dividends last year - feel good about it ?
Replies: 152
Views: 11417

Re: Around 43K in dividends last year - feel good about it ?

Just ate a double quarter pounder from the MCD. I feel terrible.....

But not as terrible as when I have to pay taxes on dividends that could have otherwise been avoided
by gmc4h232
Mon Jan 07, 2019 6:23 pm
Forum: Investing - Theory, News & General
Topic: Reasons to own Vanguard ETFs over Admiral shares?
Replies: 66
Views: 4469

Re: Reasons to own Vanguard ETFs over Admiral shares?

It is significantly easier to donate appreciated shares of Vanguard ETFs to charity than mutual funds. If I recall, I had to convert my admiral shares to the corresponding ETF class of share to even be able to donate them.
by gmc4h232
Sun Jan 06, 2019 7:11 pm
Forum: Personal Consumer Issues
Topic: Water seepage in basement
Replies: 23
Views: 1518

Re: Water seepage in basement

Thanks for the replies so far, I appreciate it. I don't have any impervious material under the deck (like a 6 mil poly sheet as an example), just some crushed stone. With regard to a barrier, I saw one suggestion during my YouTube research that said to properly grade soil (or crush and run fill), t...
by gmc4h232
Sun Jan 06, 2019 9:30 am
Forum: Personal Consumer Issues
Topic: Water seepage in basement
Replies: 23
Views: 1518

Re: Water seepage in basement

I am wondering if interior drain tile would be a good solution, and have that go to a sump pump. From my online research, looks like a contractor would dig out a channel inside from the concrete floor, drill holes in the block to relieve water pressure, the water goes into a perforated pipe embedde...
by gmc4h232
Fri Jan 04, 2019 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: What Do You Spend The Most On Annually?
Replies: 158
Views: 8227

Re: What Do You Spend The Most On Annually?

onourway wrote:
Fri Jan 04, 2019 10:35 am
1) Retirement and other savings
2) Taxes
2) Childcare and schooling
3) Home maintenance
4) Mortgage
5) Groceries and dining

These absolutely dwarf everything else, with #1 the biggest by a good margin.
These items but arranged 12453
by gmc4h232
Fri Jan 04, 2019 6:19 pm
Forum: Personal Consumer Issues
Topic: master suite features for addition
Replies: 66
Views: 3366

Re: master suite features for addition

my dream master suite has a walk-thru closet between the bedroom and his & her full master bathrooms side by side. washer and dryer as well as an island would be in the walk thru closet. My bathroom would have walk in shower w exhaust and separate toilet room w exhaust, a granite vanity top on a ret...
by gmc4h232
Thu Jan 03, 2019 4:32 pm
Forum: Personal Consumer Issues
Topic: Engagement Ring (Affordable)
Replies: 138
Views: 7276

Re: Engagement Ring (Affordable)

Go to a reputable pawn shop or a consignment shop.

They have very good selections at reasonable prices.
by gmc4h232
Wed Jan 02, 2019 11:16 am
Forum: Investing - Help with Personal Investments
Topic: Timing of Backdoor Roth Contribution and Avoiding the Pro Rata Rule
Replies: 9
Views: 571

Re: Timing of Backdoor Roth Contribution and Avoiding the Pro Rata Rule

They are free at most of the standard providers. You would need self-employment income in order to be able to open a solo 401k. You would also need a provider that allows incoming rollovers from IRAs. Any recommendations on providers? I think i read somewhere (whitecoatinvestor maybe) that vanguard...
by gmc4h232
Wed Jan 02, 2019 10:06 am
Forum: Investing - Help with Personal Investments
Topic: Timing of Backdoor Roth Contribution and Avoiding the Pro Rata Rule
Replies: 9
Views: 571

Re: Timing of Backdoor Roth Contribution and Avoiding the Pro Rata Rule

What are folks' opinions about opening solo 401ks to roll these tIRAs into? Are there usually plan fees associated with solo 401ks? Paperwork hassles? Any other drawbacks? I've been intrigued by solo 401ks for a long time. Maybe this will give me a good excuse to finally pull the trigger. I'm sure I...
by gmc4h232
Tue Jan 01, 2019 10:54 pm
Forum: Investing - Help with Personal Investments
Topic: Timing of Backdoor Roth Contribution and Avoiding the Pro Rata Rule
Replies: 9
Views: 571

Timing of Backdoor Roth Contribution and Avoiding the Pro Rata Rule

Greetings all and Happy New Year! We have the potential to exceed the Roth IRA income limits in 2019 due to a change in how my company calculates my profit sharing. I wont know for sure where our income will shake out in this regard until probably November 2019. I typically like to make standard Rot...
by gmc4h232
Fri Dec 28, 2018 4:41 pm
Forum: Personal Consumer Issues
Topic: Why do people buy- performance cars?
Replies: 67
Views: 2361

Re: Why do people buy- performance cars?

Everybody has their "thing" they like to spend money on. Some people buy luxury goods because they want to look/feel superior to others. Some people buy luxury goods because they appreciate precision craftsmanship and want things that will hopefully last a long time and not have to be purchased agai...
by gmc4h232
Fri Dec 28, 2018 9:21 am
Forum: Personal Consumer Issues
Topic: Shoes to wear with jeans to the office?
Replies: 87
Views: 5582

Re: Shoes to wear with jeans to the office?

Birkenstocks with white socks

I would love to wear cowboy boots if my feet didn’t sweat so bad in them. I wear Ecco Atlanta’s with everything 7 days a week
by gmc4h232
Thu Dec 27, 2018 8:39 pm
Forum: Personal Consumer Issues
Topic: Superautomatic espresso machines
Replies: 36
Views: 2337

Re: Superautomatic espresso machines

Got an aeropress for Xmas. Loving it
by gmc4h232
Wed Dec 26, 2018 5:25 pm
Forum: Personal Consumer Issues
Topic: Nice jeans for work with lowest average cost of ownership
Replies: 107
Views: 7280

Re: Nice jeans for work with lowest average cost of ownership

Find some by Duluth Trading. Once you try their ballroom jeans you won’t be able to wear anything else without smashing your berries. Very well made with durable material and triple stitched seams. They will last a long time - much longer than levi’s. Levi’s knees will blow out in a year with any ki...
by gmc4h232
Tue Dec 25, 2018 10:15 am
Forum: Investing - Help with Personal Investments
Topic: Better options for emergency Fund than Ally CDs/Savings?
Replies: 20
Views: 2668

Re: Better options for emergency Fund than Ally CDs/Savings?

I’ve been using prime money market for one tier of “cash”
by gmc4h232
Sun Dec 23, 2018 8:00 pm
Forum: Personal Consumer Issues
Topic: Scissor recommendation
Replies: 11
Views: 1342

Re: Scissor recommendation

Gingher's are top of the line, especially for cutting fabric. They have other specialty scissors that might suit your needs better.
by gmc4h232
Sun Dec 23, 2018 7:53 pm
Forum: Personal Consumer Issues
Topic: Home Heating Advice
Replies: 72
Views: 5685

Re: Home Heating Advice

I didnt think propane was substantially different from natural gas. Just have a tank that needs to be refilled instead of a continuous supply from the public utility. Nice to have a working cooktop when the power goes out....I wouldnt know. Can do a propane generator as well if desired. Just dont lo...
by gmc4h232
Sat Dec 22, 2018 10:18 pm
Forum: Investing - Theory, News & General
Topic: December "Bogleheads on Investing" podcast with guest Christine Benz now available
Replies: 16
Views: 1937

Re: December "Bogleheads on Investing" podcast with guest Christine Benz now available

Rick - These podcasts are getting better each time. I think you've found your stride especially with the #3 and #4 episodes. The conversations are coming more naturally and you sound a lot more comfortable now. Keep it up!
by gmc4h232
Fri Dec 21, 2018 7:54 pm
Forum: Personal Finance (Not Investing)
Topic: Considering living with Mother in law (MIL)
Replies: 34
Views: 3592

Re: Considering living with Mother in law (MIL)

The biggest thing to me was a relationship shift for my wife and her parents. It went from a very healthy relationship to a reversion to almost childhood dynamics if that makes sense. They didn't really see her as almost 40 with a family, but as their teenage daughter again. It's been more difficul...
by gmc4h232
Fri Dec 21, 2018 7:20 am
Forum: Personal Consumer Issues
Topic: Driving from MA to FL - recommendations?
Replies: 30
Views: 2034

Re: Driving from MA to FL - recommendations?

Wow - 18 posts and nobody answered your question. I shall try. If you take 81 I can recommend some places in Virginia. (not in any geographic order) Natural Bridge, Luray Caverns, Frontier Culture Museum in Staunton, Lots of places to eat in downtown Staunton. Lot of Civil War History in New Market...
by gmc4h232
Thu Dec 20, 2018 9:03 pm
Forum: Personal Consumer Issues
Topic: Driving from MA to FL - recommendations?
Replies: 30
Views: 2034

Re: Driving from MA to FL - recommendations?

Wow - 18 posts and nobody answered your question. I shall try. If you take 81 I can recommend some places in Virginia. (not in any geographic order) Natural Bridge, Luray Caverns, Frontier Culture Museum in Staunton, Lots of places to eat in downtown Staunton. Lot of Civil War History in New Market ...
by gmc4h232
Wed Dec 19, 2018 9:02 pm
Forum: Personal Consumer Issues
Topic: Pesticides for residence
Replies: 26
Views: 1665

Re: Pesticides for residence

What are you targeting? Roaches? Ants? Silverfish? Termites? All of the above? Different approaches work better for different species. I highly recommend advion cockroach gel for cockroaches. I havent used their other products but if they work as well as the cockroach gel, then im an advocate. Terro...
by gmc4h232
Tue Dec 18, 2018 10:38 pm
Forum: Personal Consumer Issues
Topic: Omega watch expenses
Replies: 33
Views: 2364

Re: Omega watch expenses

Buy battery online and replace it yourself
by gmc4h232
Tue Dec 18, 2018 8:40 pm
Forum: Personal Consumer Issues
Topic: Paint adhesion issue (painted table)
Replies: 3
Views: 317

Re: Paint adhesion issue (painted table)

4) Give table to Goodwill and buy another at a yard sale that doesnt need paint...
by gmc4h232
Tue Dec 18, 2018 8:35 pm
Forum: Personal Consumer Issues
Topic: Buyer's Remorse on purchasing a Mercedes
Replies: 82
Views: 6801

Re: Buyer's Remorse on purchasing a Mercedes

54k for a 5 yr old car? Good heavens education is expensive...
by gmc4h232
Mon Dec 17, 2018 6:54 pm
Forum: Personal Consumer Issues
Topic: Nice gifts for young kids
Replies: 33
Views: 2650

Re: Nice gifts for young kids

lifetime hunting or fishing license.
by gmc4h232
Mon Dec 17, 2018 6:47 pm
Forum: Personal Consumer Issues
Topic: When has being frugal or cheaping out bit you in the rear?
Replies: 109
Views: 8157

Re: When has being frugal or cheating out bit you in the rear?

Buying cookies by the pound to the Wegmans once cost me $17 dollars for a box of terrible cookies...
by gmc4h232
Mon Dec 17, 2018 6:31 pm
Forum: Personal Consumer Issues
Topic: Gift Ideas for wife
Replies: 76
Views: 5488

Re: Gift Ideas for wife

Concept 2 Rowing Machine for warm-ups and cool-downs and everything in between...
by gmc4h232
Sat Dec 15, 2018 10:05 am
Forum: Personal Consumer Issues
Topic: Favorite Purchase of 2018?
Replies: 255
Views: 19487

Re: Favorite Purchase of 2018?

Either the 8wt Scott Meridian I bought and still haven't used, or the 4 Swatch watches I bought at the local auction house and flipped on eBay for 5x.
by gmc4h232
Tue Dec 11, 2018 10:10 pm
Forum: Investing - Theory, News & General
Topic: What Happened to you during the Financial crisis of 2007–2008
Replies: 249
Views: 20286

Re: What Happened to you during the Financial crisis of 2007–2008

I graduated college (after 5 yrs) in 2008. I drug my feet on finding a full time engineering job and continued to work at my summer job. I made a point to open a taxable brokerage account and invest all I could in individual stocks. I didnt know about the bogleheads philosophy at the time and my par...
by gmc4h232
Sun Dec 09, 2018 1:45 pm
Forum: Investing - Help with Personal Investments
Topic: Considerations for rolling an IRA into employers 401K
Replies: 7
Views: 596

Re: Considerations for rolling an IRA into employers 401K

Can the backdoor roth contribution be completed before the tIRA gets rolled over to the employer plan as long as the tIRA balance is zero by 12/31 of the same year? can somebody layout the steps in order?
by gmc4h232
Sun Dec 09, 2018 11:53 am
Forum: Personal Consumer Issues
Topic: New QUIET Tires for Accord
Replies: 37
Views: 2593

Re: New QUIET Tires for Accord

OP, I have a few thoughts for you. One is that Accords were never quiet cars, though they do get quieter with each major redesign. I can tell you that 2014 is MUCH more quiet compared to my 2003, but it's louder than comparable Toyota or Nissan. If the noise really bothers you, you bought the wrong...
by gmc4h232
Sat Dec 08, 2018 10:43 pm
Forum: Personal Consumer Issues
Topic: New QUIET Tires for Accord
Replies: 37
Views: 2593

Re: New QUIET Tires for Accord

OP, I have a few thoughts for you. One is that Accords were never quiet cars, though they do get quieter with each major redesign. I can tell you that 2014 is MUCH more quiet compared to my 2003, but it's louder than comparable Toyota or Nissan. If the noise really bothers you, you bought the wrong...
by gmc4h232
Sat Dec 08, 2018 3:05 pm
Forum: Personal Consumer Issues
Topic: New QUIET Tires for Accord
Replies: 37
Views: 2593

Re: New QUIET Tires for Accord

OP, I have a few thoughts for you. One is that Accords were never quiet cars, though they do get quieter with each major redesign. I can tell you that 2014 is MUCH more quiet compared to my 2003, but it's louder than comparable Toyota or Nissan. If the noise really bothers you, you bought the wrong...
by gmc4h232
Sat Dec 08, 2018 2:54 pm
Forum: Personal Consumer Issues
Topic: New QUIET Tires for Accord
Replies: 37
Views: 2593

Re: New QUIET Tires for Accord

Question for the op. Why did you buy the sport version of the Accord? Just asking, because if it was for performance, you are really going to give up some grip and feel with touring tires. I have a VW Golf R which has 4 wheel drive and a lot of horsepower. I have both summer tires (these would not ...
by gmc4h232
Wed Dec 05, 2018 3:00 pm
Forum: Personal Consumer Issues
Topic: New QUIET Tires for Accord
Replies: 37
Views: 2593

Re: New QUIET Tires for Accord

For keeping tires quiet, maintain your tires well. This means rotating them every 10k miles or less (just do rotations with oil changes), maintaining tire pressure, maintaining alignment (poor wear due to alignment issues will cause noisy tires), and making sure your suspension is in good shape (ba...
by gmc4h232
Wed Dec 05, 2018 1:24 pm
Forum: Personal Consumer Issues
Topic: New QUIET Tires for Accord
Replies: 37
Views: 2593

Re: New QUIET Tires for Accord

I am looking at getting some new tires for my 2014 Accord Sport. The past 2 sets (Goodyear Eagle OEM; Hankook Ventus S1 Noble 2) have been extremely noisy after approximately 15,000 miles. I am looking at CINTURATO P7 ALL SEASON PLUS tires by Pirelli. My question is, does anybody know if tirerack.c...
by gmc4h232
Wed Dec 05, 2018 1:19 pm
Forum: Personal Consumer Issues
Topic: New QUIET Tires for Accord
Replies: 37
Views: 2593

Re: New QUIET Tires for Accord

For keeping tires quiet, maintain your tires well. This means rotating them every 10k miles or less (just do rotations with oil changes), maintaining tire pressure, maintaining alignment (poor wear due to alignment issues will cause noisy tires), and making sure your suspension is in good shape (ba...
by gmc4h232
Wed Dec 05, 2018 12:44 pm
Forum: Personal Consumer Issues
Topic: New QUIET Tires for Accord
Replies: 37
Views: 2593

New QUIET Tires for Accord

I am looking at getting some new tires for my 2014 Accord Sport. The past 2 sets (Goodyear Eagle OEM; Hankook Ventus S1 Noble 2) have been extremely noisy after approximately 15,000 miles. I am looking at CINTURATO P7 ALL SEASON PLUS tires by Pirelli. My question is, does anybody know if tirerack.co...
by gmc4h232
Thu Nov 29, 2018 11:43 am
Forum: Personal Consumer Issues
Topic: Broken Sewer pipe - $10,000-$20,000 to fix
Replies: 58
Views: 6280

Re: Broken Sewer pipe - $10,000 to fix

Sounds like 2 4" Fernco's and section of 4" PVC. You can get all that plus a shovel at Lowes for about $30.

I'm happy to come out and do the fix for $9,500 if you like.
by gmc4h232
Sun Nov 18, 2018 7:08 pm
Forum: Personal Finance (Not Investing)
Topic: Amazon says TurboTax 2018 will be released November 12
Replies: 85
Views: 10102

Re: Amazon says TurboTax 2018 will be released November 12

Is the software functional yet or too buggy to provide any benefit at this point in time?
by gmc4h232
Sun Sep 16, 2018 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: 38% pay cut for dream job?
Replies: 61
Views: 5533

Re: 38% pay cut for dream job?

You are crazy to take a 38% pay cut, more so with kids on the way. You might think you'll get sent to Paris or some cushy assignment. It's more likely you get sent to some **** country, with bad air quality, poor sanitation, unsafe water, and kidnapping and terrorism risks. If you get sent to a cou...
by gmc4h232
Thu Sep 13, 2018 6:19 pm
Forum: Personal Consumer Issues
Topic: I need a chainsaw to trim branches and limbs!!
Replies: 93
Views: 4518

Re: I need a chainsaw to trim branches and limbs!!

Would recommend Stihl MS 880
by gmc4h232
Sun Sep 02, 2018 10:51 pm
Forum: Personal Consumer Issues
Topic: bench vise recommendation
Replies: 20
Views: 1378

Re: bench vise recommendation

Not coming from the technical side of it: If #1 fills the need at the greatest value then why not choose that one? Are you sure your heirs will appreciate or cherish the tools you’ve used? I’ve seen that situation go both directions. By all means if you want something “nice” then go for it but I wo...
by gmc4h232
Sun Sep 02, 2018 10:20 pm
Forum: Personal Consumer Issues
Topic: bench vise recommendation
Replies: 20
Views: 1378

Re: bench vise recommendation

What jaw width and opening capacity are you looking for? 5” & 7” respectively hence the C2? And do you have to have the pipe clamp? C2’s are massive (100 lbs) and as you know big money. Probably why I haven’t seen any used ones in my travels. 800 is probably about right for used. PS. - your heirs wo...
by gmc4h232
Sun Sep 02, 2018 7:30 pm
Forum: Personal Consumer Issues
Topic: bench vise recommendation
Replies: 20
Views: 1378

Re: bench vise recommendation

Please don’t buy HF or other Chinese junk vise. Craftsman likely falls into this category these days.

Buy you a nice vintage piece of American iron.
Here is a short list of quality older American vises:
Wilton
Prentiss
Columbian
Yost
Reed
Parker
by gmc4h232
Sun Sep 02, 2018 6:10 pm
Forum: Personal Consumer Issues
Topic: bench vise recommendation
Replies: 20
Views: 1378

Re: bench vise recommendation

WILTON!

Keep an eye out on Craigslist. You should be able to find a nice older one for less than $400

Recently bought a nice 450sj at auction for 250. Sold for 800 on eBay. So it can be done
by gmc4h232
Sun Aug 26, 2018 1:49 pm
Forum: Personal Consumer Issues
Topic: bank safety deposit box alternative
Replies: 17
Views: 1885

Re: bank safety deposit box alternative

Bury in the back yard
by gmc4h232
Thu Aug 23, 2018 3:02 pm
Forum: Personal Consumer Issues
Topic: Circuit breaker stays tripped
Replies: 29
Views: 2790

Re: Circuit breaker stays tripped

I don't think there's a GFCI outlet to that area of the house and I'm guessing there's a short someplace. Should I try/test anything else before calling an electrician? I would look again. I had the same thing you had and there was an outlet hidden underneath a porch. I don’t understand how the pre...
by gmc4h232
Sun Aug 12, 2018 7:38 am
Forum: Personal Finance (Not Investing)
Topic: Mid 30s Crisis: Personal budget, savings and goals
Replies: 36
Views: 7465

Re: Mid 30s Crisis: Personal budget, savings and goals

jharkin wrote:
Sun Aug 12, 2018 7:03 am
It’s actually 98-99the percentile if you look it up.
Where do you look it up?